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Andover BancorpANDC 65 3-Year Dividend Growth Rate is 0.70% as of Dec. 2025, which is at its 10-year median of 0.70. GuruFocus rates ANDC with a GF Score™ of 65/100 and a GF Value™ of $22.93 (Modestly Undervalued). Among 961 Banks companies, Andover Bancorp ranks worse than 85.33% on this metric.
The historical rank and industry rank for Andover Bancorp's 3-Year Dividend Growth Rate or its related term are showing as below:
ANDC'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0.7 Med: 0.7 Max: 0.7
Current: 0.7
During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of Andover Bancorp was 0.70% per year. The lowest was 0.70% per year. And the median was 0.70% per year.
ANDC's 3-Year Dividend Growth Rate is ranked worse than 85.33% of 961
companies
in the Banks industry
Industry Median: 10.1
vs ANDC: 0.70
During the past 12 months, Andover Bancorp's average Dividends Per Share Growth Rate was 0.70% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 0.70% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 0.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
During the past 7 years, the highest Dividend Payout Ratio of Andover Bancorp was 0.49. The lowest was 0.31. And the median was 0.40.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Andover Bancorp Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.380000
2026-06-10
2026-06-10
2026-07-01
Cash Dividend
semi-annually
USD:USD 1.000000
USD 0.380000
2025-12-10
2025-12-10
2026-01-02
Cash Dividend
semi-annually
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Andover Bancorp's Dividend Yield (%) for Today is calculated as
Current Share Price is $20.15.
Andover Bancorp's Dividends per Share for the trailing twelve months (TTM) ended in Today is $0.76.
During the past 7 years, the highest Dividend Yield of Andover Bancorp was 4.17%. The lowest was 3.13%. And the median was 3.82%.
Good Sign:
Andover Bancorp Inc stock Dividend Yield % is close to 10-year high.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Andover Bancorp 3-Year Dividend Growth Rate Related Terms>
ANDC vs SSBP, FMFP, LKSB: 3-Year Dividend Growth Rate Comparison
For the Banks - Regional subindustry, Andover Bancorp's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Andover Bancorp 3-Year Dividend Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Andover Bancorp's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Andover Bancorp's 3-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 0.70% mean?
Andover Bancorp (ANDC) has a 3-Year Dividend Growth Rate of 0.70% as of Dec. 2025. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Andover Bancorp and its competitors. This is near median its historical median of 0.70. Over the past decade, Andover Bancorp's 3-Year Dividend Growth Rate has ranged from 0.70 to 0.70. According to the industry distribution chart, Andover Bancorp ranks #820 out of 961 companies in the Banks industry, placing it in the top 85.3%.
Is Andover Bancorp's 3-Year Dividend Growth Rate too high?
Andover Bancorp's current 3-Year Dividend Growth Rate of 0.70% is near median its 10-year median of 0.70. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 0.70. The Banks industry median 3-Year Dividend Growth Rate is 10.10. Andover Bancorp's value of 0.70% is 93.1% below this industry median. Based on the distribution chart, Andover Bancorp ranks #820 out of 961 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Andover Bancorp has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Andover Bancorp's 3-Year Dividend Growth Rate compare to SSBP and FMFP?
According to the Banks industry distribution chart, Andover Bancorp ranks #820 out of 961 companies for 3-Year Dividend Growth Rate. This places Andover Bancorp in the lower half of its industry. The industry median 3-Year Dividend Growth Rate is 10.10. Andover Bancorp's value of 0.70% is 93.1% below this benchmark. Historically, Andover Bancorp's own 3-Year Dividend Growth Rate has ranged from 0.70 to 0.70 over the past decade. While the company's 10-year median is 0.70 vs. the industry median of 10.10, Andover Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Dividend Growth Rate for a Banks company?
The median 3-Year Dividend Growth Rate among Banks companies is 10.10, based on 961 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Andover Bancorp's current 3-Year Dividend Growth Rate of 0.70% is 93.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Andover Bancorp and its competitors. For the Banks industry, the median 3-Year Dividend Growth Rate is 10.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Andover Bancorp's current 3-Year Dividend Growth Rate is 0.70%, which is near median its own 10-year median of 0.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Andover Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Andover Bancorp (ANDC) is currently considered Modestly Undervalued. The stock's GF Value™ is $22.93, compared to a current price of $20.15 — trading 12.1% below its estimated fair value. The current 3-Year Dividend Growth Rate is 0.70%, which is near median its 10-year median of 0.70 and 93.1% below the Banks industry median of 10.10. Andover Bancorp's overall GF Score™ is 65/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Andover Bancorp (ANDC), the current 3-Year Dividend Growth Rate is 0.70% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Andover Bancorp (ANDC) Overvalued in 2026?
Based on GuruFocus' analysis, Andover Bancorp stock appears to be undervalued.
The current stock price of $20.15 is trading 12.1% below its estimated GF Value™ of $22.93.
GuruFocus considers Andover Bancorp to be Modestly Undervalued.
Key valuation signals for ANDC:
3-Year Dividend Growth Rate: 0.70% (near median its 10-year median of 0.70)
GF Value™: $22.93 vs. price of $20.15 (12.1% below fair value)
Industry Position: 93.1% below the Banks median (#820 of 961)
No single metric tells the full story. See the ANDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Andover Bancorp Inc is a United States-based holding company for Andover bank. The bank is a locally owned and independent community bank. The company provides banking services to personal and business customers. The bank provides a full range of banking products, including consumer, mortgage, and commercial loans; checking, savings, and others. The majority of the Company's income is derived from retail lending activities.
65GF Score
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3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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